The Best Mortgage Lenders in Anson, TX
Compare verified mortgage lenders serving Anson, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Anson
Featured Mortgage Lenders
Scott R. Davis
First Financial Bank Mortgage
First Financial Bank has been serving West Texas communities for over 130 years and maintains a strong presence in Jones County and the Anson area. Their mortgage team, led by experienced loan officers like Scott Davis, provides personalized service with deep local market knowledge. They offer competitive rates and a full range of loan products, with particular expertise in rural property financing and USDA loans that benefit Anson area homebuyers. Their long-standing community commitment and local underwriting capabilities make them a top choice for Anson residents.
Loan Types:
Mortgage Department
First National Bank of Albany
As a community bank with deep roots in the region, First National Bank of Albany has been serving rural Texas communities including Anson for generations. They specialize in agricultural and rural property lending, offering flexible underwriting that understands the unique needs of Jones County residents. Their local decision-making process and personalized service ensure competitive rates and smooth closings. With expertise in construction loans and rural development programs, they're particularly well-suited for Anson's housing market and surrounding rural properties.
Loan Types:
Mortgage Team
Happy State Bank
Happy State Bank has expanded across West Texas and maintains a strong presence in rural communities like Anson. Their mortgage division offers competitive rates and specializes in serving smaller Texas towns with personalized attention. They provide comprehensive digital mortgage tools alongside local expertise, making the process convenient for Anson residents while maintaining community banking values. Their experience with rural property financing and understanding of West Texas real estate markets makes them a reliable choice for Jones County homebuyers seeking both technology and personal service.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Anson, TX
What are the current mortgage rates like in Anson, TX, and how do they compare to state averages?
Mortgage rates in Anson are typically very competitive and often align closely with or slightly below the Texas state average due to the area's lower cost of living and property values. However, rates are ultimately set by national markets and your personal credit profile. It's advisable to shop around with local lenders, credit unions, and regional banks serving Jones County for the most favorable terms.
Are there any down payment assistance or first-time homebuyer programs specifically for Anson residents?
Yes, Anson homebuyers can access statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which offers competitive interest rates and down payment assistance. Additionally, the Abilene-based West Texas Homebuyer Assistance Program (WHAP) may serve eligible buyers in Jones County, including Anson, with grants for down payment and closing costs.
How does the appraisal process work in Anson given the mix of historic homes and newer constructions?
Appraisals in Anson require appraisers familiar with the local market dynamics, including the value of well-maintained historic homes in the downtown area versus newer builds on the outskirts. They will use recent sales of comparable properties in Anson and surrounding Jones County communities. Unique or rural properties may require a specialist familiar with land valuation in the area.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Anson?
Jones County property taxes are a significant component of your payment, with rates set by local entities like the city, county, and school district. Homeowners insurance in this region should also account for the potential for severe weather, including wind and hail, which can influence premiums. Your lender will help you estimate these costs and set up an escrow account.
Are USDA Rural Development loans a viable option for buying a home in Anson, Texas?
Absolutely. Anson is eligible for USDA Single Family Housing Guaranteed Loans, which offer 100% financing (no down payment) for moderate-income buyers. This is a popular and advantageous program for the area, as Anson meets the USDA's rural designation, making it an excellent option for qualifying individuals and families looking to purchase a primary residence.
Why Choose a Mortgage Lender in Anson?
Local Market Knowledge
Lenders who understand Anson's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Anson and get competitive rates on your home loan.